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Checking
- Free Checking
  Easily manage your daily finances without any maintenance fees.
- Easy Checking
  A perfect choice for those new to banking – there’s no minimum deposit to open.
- MarketRate Checking
  Earn more from your money with a high-yield checking account.
- Premium Checking
  Leverage your account balances with dividend-earnings.
- Student Checking
  Get a financial head-start with accounts for students and teens.
- Sole Proprietor Checking
  Convenient and secure checking to manage your business finances.
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Introducing MarketRate Checking!

If you regularly keep a higher balance in your checking account, it’s a smart way to earn maximum returns on your money.
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Routing Number 321175261
Savings
- Savings Accounts
  Interest-bearing accounts help you maximize your savings.
- Youth Savings
  Students and teens have options accessing their funds.
- Sole Proprietor Savings
  A safe way to save and grow your business funds.
- Growth Savings Account
  Designed to reward new savers with bigger rates for smaller balances.
- Santa Saver
  Save for your expenses all year long!
- Money Market
  You save the smart way when you open up a Money Market Savings Account.
- Term Savings Certificates
  Get a guaranteed rate of return on your investments.
- FlexSavings
  Earn high monthly dividends when you save for a wedding, vacation or any other special event.
- IRAs
  Take advantage of tax benefits to help get you ready for retirement.
4 Rates. One Perfect Match!

Select from four great choices of term and rate. Limited-time IRA Certificate and Term Savings Certificate special. Click for details and restrictions.
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Home Loans
- Buy a Home
  Start your home search with confidence. Get preapproved today!
- Refinance My Mortgage
  Get a better interest rate, shorten your term, or lower your monthly payments.
- Home Equity Line of Credit
  Tap into your home's value and flex your options with a fixed-rate conversion.
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Save Big When Buying Your First Home.

Our On My Way Homeownership Program can help you secure thousands of dollars towards your down payment and closing costs.
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Credit Cards
- Member Cash Rewards+ Card
  Earn up to 4% cash back on everyday purchases.
- Member Rate Advantage Card
  Pay down debt faster and consolidate your card balances.
- Member First Card
  Jumpstart or improve your credit score with confidence.
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Rewards with Automatic Redemption

Get cash back on your everyday purchases! With Member Cash Rewards+, earn 4% back on gas, 3% on restaurants, food delivery, and groceries; then 1% on everything else.
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- New or Used Auto Loans
  Purchase or refinance a vehicle and get on the road faster with low rates.
- Recreational or Specialty Vehicle Loans
  Fund your adventures on land, sea, and snow.
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Investing
- Make an Investment Plan
  Get the help you need to prepare for life’s changes.
- Self-Guided Investing
  Self-manage your investments with guided wealth portfolios.
- Find an Investment Advisor
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- Insurance & Protection Options
  Protect you and your loved ones with affordable life, auto and homeowner's insurance.
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Community
- Community Commitment
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- Golden 1 Center Member Benefits
  Get the VIP treatment with perks at Sacramento Kings games all season-long.
- Golden 1 Center Community Suite
  Find out how your 501(c) mission driven organization can experience a Sacramento Kings game or other events.
- Nonprofit Grants
  See how we support California nonprofits with nearly $600K in contributions each year.
- Scholarships
  Nearly 500 college scholarships have been awarded throughout California to deserving students.
- Sponsorships
  Explore the organizations we sponsor that are making a positive impact in the community.
- Our Impact
  Explore how we are partnering with organizations that help improve the quality of life in California.
We Made the List!

We are recognized nationally by Fast Company for creating and inspiring change.
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Golden 1 observes all holidays established by the Federal Reserve Bank.

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Personal Banking Routing #321175261
Business Services Routing #121182852

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